| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | HUMANA INSURANCE COMPANY | $17K | $500 | $17K | 5.63% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET COLUMBIA, SC 29201 | HUMANA INSURANCE COMPANY | $589 | $0 | $589 | 0.19% |
| EDWARD B SIMS3 | 7211 SHERWOOD DRIVE KNOXVILLE, TN 39719 | HUMANA INSURANCE COMPANY | -$488 | $0 | -$488 | -0.16% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 12.01% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 9.49% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE, AN ALERA GROUP | 200 BROADHOLLOW ROAD, SUITE 410 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 8.92% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 85 | $306K |
| Dental | HUMANA INSURANCE COMPANY | 85 | $306K |
| Vision | HUMANA INSURANCE COMPANY | 85 | $306K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $108K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $108K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $108K |
| Prescription drug | HUMANA INSURANCE COMPANY | 85 | $306K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.